How much are closing costs in North Dakota?
A buyer in North Dakota pays about $4,950 in closing costs on a $265,000 home. That is 1.9% of the price, plus about $3,036 of prepaids. A seller pays about $1,271 (0.5%) before commission, or $14,521 with a 5% commission.
Below is each buyer and seller cost in North Dakota, line by line, and who pays it by custom. Rates checked 2026-09-29.
Free North Dakota seller net sheet calculator
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| Real estate commission (5%) | −$13,250 |
| First mortgage payoff | −$160,000 |
| Release / satisfaction recording | −$20 |
| Title insurance and settlement | −$1,211 |
| Other closing fees | −$40 |
| Estimated net to seller | $90,479 |
Who pays closing costs in North Dakota?
Each side pays its own costs. Seller customarily pays the owner's policy. In North Dakota, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. A title company usually runs the closing. The table shows a $265,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Owner's title insurance policy | Seller | $961 | – |
| Lender's title insurance policy | Buyer | – | $200 |
| Lender-required endorsements | Buyer | – | $150 |
| Settlement / closing fee | Split | $250 | $250 |
| Survey | Buyer | – | $450 |
| Deed recording fee | Buyer | – | $20 |
| Release / satisfaction recording | Seller | $20 | – |
| Mortgage recording fee | Buyer | – | $50 |
| Wire / courier / payoff processing | Seller | $40 | – |
| Loan origination (1%) | Buyer | – | $2,120 |
| Appraisal | Buyer | – | $550 |
| Credit report | Buyer | – | $60 |
| Underwriting / processing | Buyer | – | $995 |
| Flood certification | Buyer | – | $25 |
| Tax service fee | Buyer | – | $80 |
How much do buyers pay at closing in North Dakota?
A North Dakota buyer pays about $4,950 in closing costs on a $265,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $3,036. The seller's property tax credit takes off $2,524. With the $53,000 down payment, cash to close is about $58,462. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in North Dakota?
A North Dakota seller pays about $1,271 before commission on a $265,000 sale. The costs are: owner's title insurance policy, settlement / closing fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $14,521. The loan payoff and the property tax proration also come out of the proceeds.
How do North Dakota closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $10,830. A seller pays about $3,235 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $4,830 | $1,223 | None |
| $265,000 typical home | $4,950 | $1,271 | None |
| $500,000 | $6,830 | $2,035 | None |
| $1,000,000 | $10,830 | $3,235 | None |
Do closing costs in North Dakota change by county?
No. Closing costs are the same in all 53 North Dakota counties on a $265,000 sale. The buyer pays $4,950 and the seller $1,271 before commission. No county or city adds its own transfer tax or changes who pays for title.
Are closing costs high in North Dakota?
No. North Dakota is on the low side. It ranks 11 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 2.3% of the typical home value. See closing costs in every state.
North Dakota closing cost questions
How much are closing costs in North Dakota?
A buyer in North Dakota pays about $4,950 in closing costs on a $265,000 home. That is 1.9% of the price, plus about $3,036 of prepaids. A seller pays about $1,271 (0.5%) before commission, or $14,521 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in North Dakota?
Each side pays its own. Seller customarily pays the owner's policy. The buyer pays the lender's fees, the lender's title policy and most recording fees. North Dakota has no transfer tax. The contract can change any of this.
How much are closing costs for a buyer in North Dakota?
About $4,950 on a $265,000 home with 20% down. That is 1.9% of the price. Prepaid interest, insurance and escrow add about $3,036. The seller's property tax credit takes off $2,524. With the $53,000 down payment, cash to close is about $58,462.
How much are seller closing costs in North Dakota?
About $1,271 on a $265,000 sale before commission (0.5%). With a 5% commission, the total is about $14,521. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does North Dakota have a transfer tax?
No. North Dakota does not tax deeds, so neither side pays a transfer tax.
Is there a free closing cost calculator for North Dakota?
Yes. The calculator on this page uses North Dakota rates and local customs, for a seller or a buyer. The full NetSheet.org calculator adds prorations, credits and a PDF. Both are free.
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